 So what do you suggest? I didn't realize the addition is around $300 a square foot for top of the line. I don't want you borrowing money for anything. If this is a home that y'all love... So if we have about $250 to $300 in our savings or stock portfolio, you suggest we just pay it outright instead of taking a HELOC? I would never put my family's house on the block for a living room. Ever. Or for a garage.